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Showing results for tags 'expats'.
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Where are all Cebu expats? After a longer relationship and living in the province, im now back in the city and single. 2+ years ago, expats usually met up at Ayala, Gilligans for the thirsty ones, Tgi fridays for the hungry ones, and people watching. I miss the weekends then, when we were 30++ in the weekends at gilligans and fridays Since then, Ayala went no smoking, and seems quieter than ever. Friday's used to have a smoking area in the bar, moved to hallway next to the bar, but that came to a end few weeks ago. Social on the top floor was very quiet as well. The new smoking cage near Social, reminded me about a laundry cage. Guess majority of you don't smoke, but for us stupid smokers, it ain't fun anymore. So I went to mango, first time in years, and all was gone. Good old Beat that was very popular in the past, was replaced with 7 Eleven, and the rest of the area are now only sales boots and barbecue night market. Maybe a few disco in the corner, but thats it. Irish pub near bookstore was open with only 5 punters. Guess nightlife is on its very last breath in Cebu, atleast if one passed 50. Mango was totally deserted, except people there for dining, and no need for another visit there. Bought a SML at 7 Eleven and went outside, just to be told by a security guard that drinking in public was a offense and people got arrested / fined for it. A evening to remember. So, where are you Cebu expats? All live in luxury mansions in Maria Luisa, or out in the province? No more informal daily weekly meet-up in the malls, daytime or evenings? I need to catch up, so feedback appreciated.
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For expats, medical insurance or self insure, savings
Malibu posted a topic in Insurance: Health / Medical, Life, Home, Etc.
Questions to fellow expats in RP. Do you have a local medical insurance, or international medical insurance for expats? Or do you self insure, and how much do you feel is adequate? From my extensive research, local insurers don't cover cancer and more. Please correct me, if this is wrong. They also very restrictive to exclude pre excisting conditions. Some international insurance for expats cover these things, plus coverage after 65 years old, for a premium 150-600$ - a month! Local private hospitals can fast run up a bill of 30 - 50000 peso per day, much more when a operation is needed. Serious traffic accident + ICU 1.5 MILL + Heart bypass around 1 MILL. Do you have minimum of 1 Million peso or more saved up for this, or what Insurance company will cover you? -
Annual Report advisory (January 4, 2018)
agent17 posted a topic in Passports, Visas, Permits & Immigration
AMENDED ADVISORY 2018 January 04 In view of the upgrading of policies of the Bureau, the following advisory is hereby released. To implement the Annual Report (AR) 2018, all registered aliens shall, within the first sixty (60) days of every calendar year, report in person to the Bureau of Immigration (BI) Main office at Intramuros, Manila, or to the nearest participating BI offices. The AR 2018 shall be held from 1 January to 1 March 2018. The parent or legal guardian of an alien who is less than fourteen (14) years of age shall have the duty of reporting for such alien. Failure to comply shall result in imposition of administrative fine and/or imprisonment, at the option of the Commissioner of Immigration. An alien may be exempt from personal appearance, provided: (i) personally appeared in at least one of the Annual Reports held in 2014, 2015, 2016 or 2017 with an accomplished AR form; (ii) presentment of all official receipts of Annual Report fees paid; (iii) payment of P500 express lane for non-appearance; (iv) presentment of a Special Power of Attorney (SPA) with valid government-issued ID of legal representative; (v) presentment of a valid passport; and (vi) undertaking to fulfill obligations (in case of aliens with CA 613 and/or RA562 related liabilities). The reportee shall present: (i) original ACR I-card and (ii) confirmation number issued via AR 2018 online system (for aliens who failed to accomplish AR 2014 form or AR 2015 or AR 2016 or AR 2017 online form). An alien who returns to the Philippines with a re-entry permit shall, if he/she has not yet made the required annual report, make such report within thirty (30) days from the date of his/her return to this country, no fines shall be imposed. In addition, personal appearance shall be required for all with paper-based Alien Certificate of Registration (ACR) for the updating of registration records: (i) Native-born Indonesians distinguished as “Illegal Entrants” under Memorandum Order No.AFFJR-05-003 in Southern Mindanao (100 Section XIII k); (ii) Sec.47a2 Exempt and (iii) Sec47b (Refugees). AR application forms and guidelines in the conduct of AR 2018, list of participating BI offices, AR 2018 online encoding system and all other information regarding AR 2018 shall be found in the BI website www.immigration.gov.ph. All aliens are encouraged to report and remit payments at the AR 2018 BI designated offices. December 2017. Signed JAIME H. MORENTE Commissioner http://immigration.gov.ph/#advisory -
Results of Survey of Westerners Living in the Philippines
rwh posted a topic in Living In The Philippines
Survey Results: Western Expats in the Phillippines This article is copyright 2014 by Robert Howard but may be used freely on any website. Thanks to everyone who did the survey. Results below are from 134 respondents. Most migration between the West and the developing world flows in one direction. People in developing nations seek better economic and educational opportunities, safer and less polluted environments, and less corruption. But in the last few decades, Westerners increasingly have been moving to developing nations, perhaps to one often visited as a tourist. Often the main motive is lower living costs. The global financial crisis and the neoliberal onslaught have made living in the West insecure and impoverished for many, and many are unable to retire comfortably at home. There now is a minor publishing industry advising on how to make an international move. These books often have a very optimistic tone, implying that anyone would be crazy not to leave a politically correct, expensive, regimented Western country for a developing nation like Cambodia or the Philippines, with its low costs, friendly people, and vibrant culture. Researchers have been studying how well such moves actually do work out, particularly after a few years residence. Researchers have examined expats in Indonesia, Malaysia, and various Latin American nations. In 2005, I did a study of Western residents in Thailand. The move worked out well for some but not for others. Many left after a few years in-country, as the honeymoon glow wore off, assimilation proved illusory, and the reasons why many locals wish to leave a developing nation for the West became apparent. One major concern was increasing health problems in later years. Thailand and Cambodia have many elderly Westerners whose money has run low and who cannot afford health care. Embassies often may help them little. Little is known about Western expats in the Philippines. The country is a bit off the well-trod tourist routes and has a dangerous reputation. However, the East/West cultural gap is not quite as great as elsewhere and most Filipinos speak an English dialect. The nation reputedly is foreigner-friendly and many locals see marrying a Westerner as like winning the lottery. Is moving there a good option and for whom? The 2010 Philippines census lists 54,246 Western residents but many actually may be of Filipino descent and some Western residents are not counted. They live in-country only part of the year or are on successive tourist visas. From various embassy estimates, I calculate very roughly around 218,350 Western residents of non-Filipino descent. Most of the 134 survey respondents are male retirees, with a median age of 56 years old. Nearly half are from the United States. Most are married to a Filipina or have a live-in Filipina partner. Of the three female respondents, one was married to a Filipino, one to a non-Filipino, and one was single. Most hold at least a bachelor’s degree. Their median length of stay in-country was four years and median annual income was U.S. $45,000, with over half living on pensions and/ or investments. The most common cited reasons to move to the Philippines by far were the low living costs (cited by six as the only motive) and the climate. Table 1. Reason/s moved to Philippines. Percentage citing each alternative. Any number of alternatives could be cited. Low living costs 65.67 Climate 54.48 Filipino lifestyle 31.34 Dislike home country 26.12 Filipino partner returned 7.91 Availability of sex partners 5.67 To take up job 9.0 Other 36.57 Some comments were ‘... pension adequate to live here, not in U. S.’, ‘To survive on a low income’ and ‘ ... everything here is super-cheap’. Some had come to an expat job arranged overseas and 17.91% had a Filipino partner who had wanted to return. A few met a Filipina online and moved to the Philippines to be with her. Some disliked their home country. Some comments were; ‘Too much red tape, taxation. Government watches your every move’ and ‘We were very dissatisfied with the U.S. in general’. An open-ended question asked for what they missed least about life in the West and some comments were; ‘High cost of living and too much work and not enough holiday time’, ‘A life that revolves around work’, ‘Surveillance state, taxation, extreme political correctness’, and ‘Cold weather, cops on every corner ready to write a ticket, unfriendly and rude people’. Additional stated motives were ‘Low stress and low taxes’ and ‘English widely used and understood’. For the advantages of living in the Philippines, 50% cited the low cost of living, 28.36% the possibility of having a Filipina wife and a family, and 20.15% the climate. Some comments were; ‘Easy way of life’ and ‘Less stress and great family life’. What did they miss most about life in the West? Some just said ‘Nothing’ but 19.4% cited the food and 15.67% cited family and friends. Comments were; ‘People obeying laws and rules’, ‘... parks, playgrounds, cleanliness’, ‘Intellectual conversations’, ‘Non-Mafia police, sane driving, unblocked sidewalks, people who speak English’ and ‘Mental kinship’. On the main problems they had experienced living in the Philippines, 10.45% cited health care (high cost, low quality) as concerns. Some comments were; ‘Most medical facilities are unclean and have low-skilled practitioners’ and ‘You have to pay for all medical care upfront. No money. No care’. Others cited legal problems; ‘Westerners have no rights in legal disputes with a Filipino. You will lose’. On what they liked least about living in the Philippines, corruption was most often cited, followed by trash and general lack of cleanliness. Some comments were; ‘The food sucks and you are viewed as a cow to be milked’, ‘Pollution and heat drive me nuts, along with the traffic’, ‘Insane traffic’, ‘Lack of pride in workmanship’ and ‘Nobody seems to want to do anything well or better’. A recurring theme on expat websites is problems with a Filipina partner, particularly sending money to her family. One Internet poster summarised a common Western attitude with; ‘The best advice ...regarding marrying a Filipina is live at least two islands or six hours away from her family’. Another recommended marrying only an orphan. But few respondents cited this problem. One comment was; ‘My wife’s family think we are ATM machines’. Two cited their main dislikes as ‘The common attitude that all foreigners are rich and should therefore hand out money to everybody around them’ and ‘People always asking for money’. About one third of survey respondents reported that local crime was a concern but nearly half were unconcerned, sometimes because they lived in a peaceful rural setting. Some comments were; ‘Many thieves and low-level crimes’, ‘There is never an opportunity to let your guard down’, ‘Need to be very security aware all the time. If there are two or more Filipinos present, they start talking in the local dialect, even if they speak English very well’ and ‘Limitation of personal freedom due to danger of crimes’. Nearly 40% had been a crime victim. Some comments were; ‘Have been held up at knife point’, ‘Burgled twice’, ‘Gold chain snatched from around my neck’, ‘Pick pocket gang once in Manila’, ‘ATM card skimmed’, and ‘In three years I have been robbed seven times’. Most described their own well-being and the overall quality of life for foreigners in the Philippines as excellent or good. Table 2. Well-being and quality of life. Own well-being Excellent 27.61 Good 52.24 Neutral 17.16 Poor 2.99 Very poor 0 Overall quality of life for foreigners in general Excellent 16.42 Good 50 Neutral 25.37 Poor 5.22 Very poor 2.24 No response 0.7 Many respondents personally felt accepted by Filipinos but nearly half did not or were in between. Some comments were; ‘Many Filipinos are very suspicious of foreigners’, ‘... too much discrimination against foreigners here’, and ‘I sit in my front porch smiling and waving. People look at me like an ape in the zoo’. Indeed, many reported socialising mostly with other foreigners or in the bar scene and a few said they did not socialise at all. Some comments were; [i socialise mostly] ‘With foreigners with Filipino wives’ and ‘Wife’s friends and family’, ‘Mix of other foreigners, Filipino friends and family’, and ‘Foreigners with Filipina wives’. Most still were happy with their decision to migrate but some were not. Barriers to leaving may include cost and a Filipina partner who wants to stay on. Some comments were; ‘Life for expats in the Philippines was better before 2000. Wouldn't plan to stay if my wife wasn't a Filipina’ and ‘The Philippines is very hot, very polluted, very corrupt, has ... dangerous roads and ferries, customer service is not good (i.e. can't return things, long queues, etc). The positive is really a lower ... cost of living ... I've lived in Ecuador and I think it's a much better place for a retiree however my wife has family here ...’. The polarisation of views on living in the Philippines is particularly striking. ‘People who come to live in the Philippines either leave after a short time or stay for life in my experience.’ ‘I would advise all not to move here. ... They want your money but they don’t want you here’, ‘ ‘Some love it here and some cannot adjust.” ‘Those who fight the Philippine ways are unhappy here.’ “Many other countries that have lower living costs, less hassles, seem attractive now.’ “I hate the place. Hate the food, hate most of the people, hate the culture.” ‘The food sucks and you are viewed as a cow to be milked.’ ‘Retirees tend to be happy. Foreigners working here tend not to be due to the incompetence of staff and laziness.’ ‘You can turn a blind eye to most of the drawbacks but in the end it wears you down.’ ‘I think my experience is better than most...It's a wonderful place, but individual experiences, obviously, will vary’, ‘Most Westerners seem happy enough. Local girls take care of older guys with health problems’. ‘Expats on modest incomes and with some serious medical conditions should be very careful before opting to retire here’. “If you are a self- sufficient individual who loves and respects people, believes that family centred cultures work well and have enough income to live comfortably ($25,000 per year), The Philippines is a pretty nice life. If you are a wuss, "redneck", or think Filipinas are submissive little wives, don't even bother!” In conclusion, the move works out for some but not for others. Many may have left soon after arrival so the successes may actually be a small percentage of migrants. But this is true of migration to Western nations as well. Many migrants eventually leave. So any stay needs a long trial and the possibility of exiting if necessary. The author Robert Howard until recently taught at the University of New South Wales in Australia. He first visited the Philippines in 1981. He has research interests in tourism and the lives of Western expats in Southeast Asia. He is the author of five books. The latest (2012) is Islands in the Orient Sea: Travels in the Edgy 21st Century Philippines. -
The vast Majority of expat Children become expats themselves !
Stranded Shipscook posted a topic in Children Adjusting To Life In The Philippines
Thsi isalso anobservation i have made opver the past decades. The kids of the expats become expats themselves. Now there was a study by St.John's Schools which manifested my observation/suspicion. I like this blog also for some of its (highlighted by me) contents. This is also what is all about. http://blog.stjohns.be/2013/01/09/expat-children-become-expats-themselves-as-adults-poll-shows/?goback=.gde_1056387_member_202730821 A recent poll conducted by St. John’s among adults who grew up as expat children shows that the large majority of them actually become expats themselves. Despite the transient nature of expat life and the associated difficulties for children, the poll shows that 46.2% of respondents have themselves become an expat, that 11.5% of expat children married an expat, while 38.5% are looking to become an expat in the future. As one expat put it: “The life of an expat kid is the life I would like to provide to my future children. I loved the lifestyle, learning about different cultures, meeting lovely people, and growing up with the best experiences in life.” Most expat kids are third culture kids (TCK): kids who build relationships to several cultures while not having full ownership of any. It is often assumed that these kids would be looking for a sense of belonging and a fixed location to call home as adults. However, only 9.6% made a conscious decision not to become an expat. One of the respondents explains “Growing up is hard enough without moving around.” The results of this poll show that the benefits of expat life seem to far outweigh the challenges: “I think it is an incredible experience in life and I would want my children to have the same opportunity to soak in culture, diversity and travel.”
